OBBB 2026 Tax Changes — Free Calculator Compares Your 2025 vs 2026 Federal Taxes

The One Big Beautiful Bill Act (P.L. 119-21, signed July 4, 2025) changed the tax landscape for 2026. If you're still reading articles about "TCJA sunset 2027," most of that information is outdated — OBBB already made the major TCJA provisions permanent.

But how exactly do your taxes change? The brackets shifted with inflation, the standard deduction went up, and the estate exemption was raised to ~$15 million. Whether you're paying more or less depends on your specific income and filing status.

Compare your 2025 vs 2026 taxes →

What Changed Under OBBB for 2026

The 2026 standard deduction increased to $15,350 (single) and $30,700 (MFJ), up from $15,000 / $30,000 in 2025. All seven tax brackets (10%-37%) were retained and inflation-adjusted. The SALT cap remains at $10,000, made permanent. The $2,000 Child Tax Credit is permanent.

"Tax calculator" gets 201,000 monthly searches in the US at $2.83 CPC (Google Ads data, April 2026). Millions of Americans are confused about what actually changed — this tool clears it up with real IRS-sourced bracket data.

How the Calculator Works

Enter your filing status, gross income, number of children, itemized deductions (SALT, mortgage interest, charity), and 401k contributions. The tool calculates your tax under both 2025 and 2026 rules side by side — showing taxable income, total tax, effective rate, marginal rate, and the exact dollar difference.

Based on IRS published brackets and P.L. 119-21 provisions. All calculations run privately in your browser.

Who Benefits Most Under OBBB 2026

Higher standard deduction benefits all filers. The biggest relative winners are middle-income single filers ($50K-$100K) who take the standard deduction — they see both bracket inflation adjustments AND the larger deduction. High-income filers in high-SALT states (NY, CA, NJ) continue to be limited by the $10,000 SALT cap.

Related tools: Itemize vs Standard Deduction · Capital Gains vs Ordinary Income · Savings Rate Calculator

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Originally published at https://tool.teamzlab.com?utm_source=blogger&utm_medium=article&utm_campaign=2026-06-obbb-2026-vs-2025-tax-comparison

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